I carry tool kits in all of my bikes when I am further than a mile from the house, except this morning. Last night I gave a bones multi tool to a friend because I was going to get a new one today with my REI dividend. Naturally as soon as I left the GFs house this morning the seat came loose. A couple of miles in the pedals on the fat bike is not how I wanted to start the day.
I know where I am riding at lunch.